Do you cheat on your partner??? (Financially Speaking) ;-)

Yes it is that time of the year again! where we think about favourite sweethearts. Valentine’s Day is the day we dedicate to love. At Robert Floris’ Mortgage Architects office in Hamilton, we appreciate the day as well. However, due to our positions we have witnessed adversity. Here is a short story about such adversity: […]

Mortgage Qualification Rate Increased

As everyone probably already knows, the new qualification rules came into effect on January 1st and we are all feeling their effects! This is just a kind reminder that as prime lending rates rise, so does the “benchmark” or qualification rate. Previously the benchmark rate had been set at 4.99%. So anyone qualifying for a […]

Real Estate and Mortgages – 1 Year Later

As we close out the end of the first month in 2018, we realize how much has changed in only 12 months. At Robert Floris’ Mortgage Architects Office in Hamilton, Ontario, we will try to share how we feel the market has changed and where we believe it is leading us.       2017 […]

Mortgage brokers biggest expense? Tissue paper!

Prenuptial agreements and cohabitation agreement are good for clients. Although the title above is done with some humor, it is nonetheless a very serious subject. At Robert Floris’ Mortgage Architects office we try to advise clients what we would want to know if our roles were reversed. Today, we will touch upon entering agreements before […]

Breaking News!!!!

This morning, the Bank of Canada (BoC) raised its prime lending rate another .25% bringing the rate to 1.25%, the third hike in six months. The increase will affect the cost of borrowing on floating-rate loans, including variable-rate mortgages, and lines of credit.  This means that variable interest rates on consumer loans will go up […]

Rates are on the rise!

  WARNING! Rates are on the rise! Some lenders have already jumped by +0.15% and others are guaranteed to follow. It’s not too late! Act now and save money! Robert can be contacted at 905-574-9200 Ext. 215 OR by email at You can fill out an application online here with absolutely no pressure and no obligation. Click here to […]

Predictions for 2018

As we look into our crystal ball at Robert Floris’ Mortgage Architects, here are some of our predictions for 2018. Generally speaking, we are looking forward to a more stable year than 2017. 2017 was pretty tumultuous for the mortgage and real estate industry with housing prices skyrocketing and falling, rate increases and new mortgage […]